Authentication thatearns its friction.

Every transaction is checked against scheme, issuer, and regulatory rules, so 3DS2 only steps up when it needs to.

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Authentication should be earned.Not assumed.

Every payment is evaluated before the right authentication path is selected.

Issuer Intelligence

Supports configurable PSD2 and SCA workflows using issuer, acquirer and payer insights to help optimize authentication flows.

Issuer Behavior

Live and historical issuer responses show when frictionless approval, challenge, or exemption is most likely.

Risk Score

Platform signals and merchant risk models are combined to decide when a payment can stay frictionless, and when it needs a step-up.

Merchant Strategy

Set the thresholds, test the strategy, and keep control of when authentication steps in.

Issuer drift

Issuers changeposture weekly. Theengine notices.

Issuer behaviour evolves over time. We track changes and support adaptive authentication decisions.

Ready to see it in action?

  1. Observe

    Every auth is labelled.

    Every outcome is captured and used to improve future decisions.

  2. Profile

    One profile per issuer.

    Issuer behaviour is continuously tracked across regions and schemes.

  3. Decide

    Lightest legal path.

    The optimal authentication flow is selected in real time.

  4. Adapt

    Posture shifts. Rules shift.

    Routing updates as issuer behaviour changes.

Strategies

Five ways to readthe security-conversion trade.

Maximize authentication

Stay frictionless where allowed, and step up only when the rules require it.

Frictionless-only

Keep trusted repeat payments moving with minimal interruption.

Always challenge

Challenge every payment when chargeback risk matters more than conversion.

Threshold-based

Apply 3DS above defined limits.

Risk-aware step-up

Challenge only high-risk payments.

For every team

See every authenticationdecision.

Every challenge, exemption, and liability shift in one place.

The frictionless path

Every authentication. Fully traceable.

Track every step from payment to liability shift.

Control + visibility

Control every authentication rule.

Create, test, and refine authentication strategies visually.

More approvals.Fewer interruptions.

Stop reacting to the market. Start orchestrating it.

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